Terms of Use

Acceptance of Terms

By accessing or using the Site, you confirm that you are at least 18 years old and agree to these Terms. If you do not agree, do not use the Site.

About Our Services

My Debt Options is a lead generation service. We help consumers explore potential debt settlement options based on information they provide and may connect them with third-party debt relief providers or marketing partners. My Debt Options is not a lender, creditor, debt settlement company, law firm, credit repair organization, or financial advisor. We do not negotiate, settle, or restructure debt, and we do not make credit decisions.

Submitting a form on the Site does not guarantee that you will be contacted by a provider, accepted into any program, or receive any specific result. Program availability, eligibility, fees, timelines, and outcomes vary by provider and consumer situation.

No Financial or Legal Advice

Content on the Site is for general informational purposes only and does not constitute legal, tax, bankruptcy, accounting, credit repair, or financial advice. You should consult a qualified professional regarding your specific situation before making financial decisions.

Eligibility

The Site is intended for residents of the United States who are at least 18 years of age. By submitting information, you represent that it is accurate, truthful, and your own, and that you are authorized to provide it.

Third-Party Providers

When you submit a form, we may share your information with third-party debt relief providers or marketing partners. We do not control, endorse, or guarantee any third-party provider, and any agreement you enter into with a provider is solely between you and that provider. Providers may have their own qualification, verification, disclosure, and privacy practices.

Your Responsibilities

You agree not to:

• Use the Site for any unlawful or fraudulent purpose.
• Submit false, misleading, or unauthorized information, including another person's contact details.
• Interfere with the operation of the Site or attempt to gain unauthorized access to our systems.
• Scrape, harvest, or resell content or data from the Site without our written permission.

Intellectual Property

All content on the Site, including text, graphics, logos, and design, is owned by My Debt Options or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without our prior written consent.

Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Debt settlement services may impact your credit and may not be appropriate for everyone. We do not warrant that the Site will be uninterrupted or error-free.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MY DEBT OPTIONS AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR ANY THIRD-PARTY SERVICES.

Governing Law

These Terms are governed by the laws of the United States and the state in which My Debt Options operates, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Site will be resolved in the courts of applicable jurisdiction.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date above. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms may be directed to: